Teaching without Insurance

[stewart38]

I believe a valid question to be raised is: Do punters prefer to sign a form that removes liability from the organiser of an event or would they rather pay more due to insurance cover? Phil said earlier in this thread that he does not want to bother with insurance (as a consumer) but just have fun. Me too. When I go to a dance I don't want to bother myself with 'what if I slip'. Going to a class I am aware of the risk and always have the chance to say 'no'. So I'd also be prepared to sign mentioned paper. The problem with that is the negative connotation of such a paper. It makes the event look like high-risk. But that could possibly be at least partly remedied through appropriate marketing.

You cant disclaim against personal injury although signing of ‘disclaimers’ could have weight in court

None, Have look on the back cover of the highway code

God that’s right


The total number of deaths in road accidents fell by 8 per cent to 3,221 in 2004 from 3,508 in 2003. However, the number of fatalities has remained fairly constant over the last ten years.

So if 3,500 died on the roads a year in 85 yrs that’s 297,500

If population is 60,000,000 so you have a one in 17,142 chance of dying in a year and if you live to 85 a one in 200 ish chance of dying in a road accident


I suppose a solution is live till you 10 and the odds I guess get better or do they ?

I'm pretty sure that insurance companies judge risk on the numbers, so to speak, rather than how dangerous an activity sounds. So if they get very few claims from dancing injuries, it's going to be cheap to insure. It really wouldn't be practical to subdivide every activity into specialist subtopics like Ballroom, Salsa, Ceroc etc.

If we started doing that how the hell we going to spend enough time on the forum . Dancing is not a high risk activity (relatively)

[Yliander]

I believe a valid question to be raised is: Do punters prefer to sign a form that removes liability from the organiser of an event or would they rather pay more due to insurance cover? Phil said earlier in this thread that he does not want to bother with insurance (as a consumer) but just have fun. Me too. When I go to a dance I don't want to bother myself with 'what if I slip'. Going to a class I am aware of the risk and always have the chance to say 'no'. So I'd also be prepared to sign mentioned paper. The problem with that is the negative connotation of such a paper. It makes the event look like high-risk. But that could possibly be at least partly remedied through appropriate marketing.

in Australia all companies that I have attended get you to sign an indemnity form basically saying that you acknowledge that dancing is an athletic activity and release the company from liability in the event of an accident.

And while this sounds like it could stop you from sueing a company if they did something stupid that caused your injury but it can't - but it does help to protect them from customers doing something stupid and suing them. Ie punter with a heart condition comes to class has a heart attack - the dance company can't be blamed as they warned of the physicalness of the class. Basically the disclaimers are there to protect the company from being sued by people who do stupid things and don't want to take responsibility for it. It however doesnt protect the company if they do something Inherently unsafe that results in injury